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How to Get Rich Without a High IQ

It seems that nearly everyone is looking for the secret to gaining wealth overnight! Some websites are thriving with the “get rich quick” promise simply because it’s in our nature to want success NOW. If we see the slightest possibility of success in what they are selling, we’ll fork over $50 in a heartbeat. But, sadly, life isn’t that easy. Financial success doesn’t come to those that have not worked for it, or if it does (via the lottery or inheritance), the money will quickly fall through their fingers. In order to gain wealth AND hold onto it, one must learn about the 3 levels of intelligence. With these levels, you’ll quickly learn how to get rich without a high IQ.

The first level of intelligence is Mental IQ

When I initially thought of intelligence, I naturally pictured sophisticates with glasses and pointy noses. These individuals were very book smart and flew through school with flying colors. Many of them are now professors and doctors, but this does not mean that they hold the secrets to wealth.

The Mental IQ is actually the least important level of intelligence. We know this is true because there are janitors that have investments totaling over a million dollars. Most likely, their IQ is not soaring off the charts, but yet, they were able to amass a large amount of wealth!

The second level of intelligence is Emotional Intelligence

I picked up a book quite a while ago that discussed one’s EQ (Emotional Quotient) rather than IQ. It was titled, “The Emotional Intelligence Quick Book”. This book began with an incredible story, and I just can’t resist sharing it. Here’s the paraphrased version.

On September 13, 1848, Phineas was working on the railroad, much like he did every day. His iron sledgehammer was his tool of choice as he prepared the area for a blast. Horror struck when his hammer ignited an explosion, causing his tamping iron to propel into the air and lodge into his face! The iron rod had entered beneath his jawbone and had pierced through the top of his head. His brain was clearly mutilated by the rod, but it apparently had no effect! “I think I’m going to need to see Dr. Harlow.” He said as he got to his feet. After receiving medical treatment, Phineas was back to his normal life. He quickly discovered that he could still calculate complex formulas and understand the blueprints of the railway, but something had changed. Harsh words and cursings were now prevalent from his lips, and he could no longer work well with others. Simply put, he lost his emotional intelligence.

It’s important to remember that our brain not only allows us to memorize facts and figures, but it also allows us to act rationally and remain emotionally controlled.

Some of us may have a high Intelligence Quotient (IQ), but without emotional intelligence what good are we? Those with a low EQ often require immediate gratification. They see a new pair of shoes and they just need to have them. Their emotions run wild and their rational thoughts take a back seat.

Those that are emotionally intelligent will most likely achieve greater wealth than those with a high IQ. They understand how to delay gratification and invest for the long-term. By considering their options with the proper emotions, their wealth is inevitable.

The third level of intelligence is Financial Intelligence

Your financial intelligence can be found very easily. How much money do you make each year? How much money do you keep? How much money is working FOR you? And, how many generations will you pass your money onto?

Many of us can answer the first question; fewer of us can accurately answer the second one; only a handful of us have passive income from our assets; and, maybe one or two of us have even considered the last question!

If you are contemplating the number of generations your wealth will affect, I would say that you have financial intelligence! But, for many of us, we aren’t on that step yet. Hopefully, you are beginning to consider a life of passive income. It is difficult to get that passive income rolling, but once its truckin’, it’s hard to stop! It’s a beautiful thing.

So, even if you do not have a high IQ, you can still possess the other two levels of intelligence. And, if you do, you will most likely not have to worry about your finances any longer. There will be plenty of money at your disposal.

How well do you exhibit these 3 levels of intelligence? Do you feel like you are ahead of the game, or lagging behind the pack?




My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. When it comes to Emotional Intelligence, I tend to get too emotional (worked up in other words LOL) and make not quite rational decisions. Our brain is very susceptible to our emotions. If only we can control our emotions better, we would be making more rational decisions. But we are all humans not robots, so we do listen to our emotions. Sometime more than we should. 🙂

    • Yeah, I think that’s honestly the hardest one! I have my spurts of blowing the budget, but I think after some time and experience, we begin to think more with our head and don’t go through with those impulse buys quite as often. At least, that’s what I’m hoping! 🙂

  2. When it comes to investing emotions will kill you. Emotion will strip you of your money every time.

    • You got it. Sometimes I still let my emotions get the best of me when looking at my investments, and when I do, I always lose money.

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